By integrating dental, vision, and life coverage into one benefits package, employers can promote holistic health for employees and their families while gaining easier administration of plan benefits. Dental, vision, and life coverage can be bundled with existing medical coverage or purchased independently.
Dental, Vision, and Life benefits for a happier, healthier workforce
Bundling dental, vision, life, and medical coverage is a win-win.
Adding dental, vision, and life to an existing group medical plan leads to a lower overall cost of health care, fewer missed days, and a healthier workforce. Employers also enjoy added cost savings, streamlined administration, and a wealth of coverage benefits, including:
Financial advantages
You’ll have access to bundling discounts and tailored funding arrangements that fit the needs of your employees and your company.
Access to large provider networks
Improved access to care throughout our service areas means you can offer employees who are switching to our plans a seamless transition with minimal disruption.
Coordinated benefits
Coordinating care has been proven to deliver better employee outcomes and a more satisfied workforce.
A streamlined experience
Bundling medical with dental, vision, and life coverage delivers a more streamlined administrative experience for you and one-stop support for your company’s employees.
Why add dental coverage?
A larger network of providers delivers choice and convenience
With access to one of the largest dental PPO (DPPO) and dental HMO (DHMO) provider networks in California, Blue Shield offers employees flexibility and savings. Employer groups can select any Blue Shield dental plan with or without Blue Shield medical coverage.
Ortho
•Lifetime/annual orthopedic options
•Coverage for Invisalign
Preventive benefits
•3rd cleaning for pregnant women
•Oral cancer screening
•Caries risk management program
Enhanced contract limitations on major services
•Crown/bridges/dentures replacement every 5 years
•No missing tooth exclusion
Ongoing network review
•Ensures optimal access to care for employees
Dental care by the numbers
2,000
dental HMO provider locations in California, one of the state’s largest DHMO networks
47,000+
dental PPO access points means more care options for employees across the state
38.1%
dental PPO network discount delivers maximal savings for employers offering PPO coverage
28%
net effective discount means no matter which dental plan you choose, you save
Why add vision coverage?
The largest vision network in California
Blue Shield’s vision plans provide the access, benefits, and plan choices employees are looking for. Plus, better eye health can improve employee productivity. That’s why considering a vision plan makes good business sense.
Industry-leading lens benefits
•Our discount vision program, in which 90% of our providers participate, allows for 20% savings on routine eyes exams, an extra pair of glasses, frames, lenses, tints, and coatings
•Contact lens benefits
•Hearing aid discounts
Access where employees want it
•Our vision network is a mix of medical and retail optical centers including Target Optical, LensCrafters and wholesale warehouses like Costco and Sam’s Club
Rate guarantees
•2-year rate guarantee for groups with fewer than 100 employees
•4-year rate guarantee for new or existing groups with 101 or more employees
Vision care by the numbers
16,300+
vision access points across California
174,800+
nationwide access points
Up to 20%
discounts on LASIK eye surgery at select providers
Why add life coverage?
Life benefits your employees can use now
Life insurance is a convenient way to help employees protect their families from financial and unexpected life challenges. And it comes with travel assistance and other perks your employees can use today.
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Travel assistance services
Employees can get travel and medical assistance when more than 100 miles from home, including:
•Lost document assistance, including visas and passports
•Legal referrals, emergency cash, and bail assistance
•Immunization requirements
•Medical and dental referrals
•Hospital admission coordination
•Refill/replacement of prescription medication and eyewear
LifeReferrals 24/7
•Employees and beneficiaries have access to legal, grief, and financial counseling
•LifeReferrals can also direct members and beneficiaries to local community resources
Rate guarantees
•2-year rate guarantee for groups of fewer than 100 employees
•3-year rate guarantee for new and existing groups with 101 or more employees
Want to talk? Contact us to discuss your needs.
1. Integrated Benefits Institute, December 2020
2. Based on industry journal reporting
3. Based on Blue Shield of California internal reports
4. Kelekar U, Naavaal S. Hours Lost to Planned and Unplanned Dental Visits Among US Adults, Preventing Chronic Disease, 2018;15:170225. www.cdc.gov/pcd/issues/2018/17_0225.htm
5. “COST OF VISION PROBLEMS: The Economic Burden of Vision Loss and Eye Disorders in the United States”, Economic Burden of Vision Final Report, https://preventblindness.org/wp-content/uploads/2020/04/Economic-Burden-of-Vision-Final-Report_130611_0.pdf
6. “Facts About Life 2016”, LIMRA